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@taskmaster4450le
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In the states, this starts with putting money into a retirement account. It is amazing how many people do not do this even though there are tax advantages as well as often matching by companies.

Most people stay poor because they pay themselves last with what is left over. Obviously, they find, that due to their spending, nothing is left over.

Pay Yourself First is some of the best financial advice out there. Whether it is a retirement account or not, some money should be put aside out of each paycheck.

The key is to develop the habit. Once the habit becomes ingrained, saving becomes easy.

Of course, the second part to that is investing so that money is put to work.

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